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Des Moines/Treasury Services/Health Savings Account

Healt​h Advantage Checking Account

Health Advantage Checking Account (HSA)

An HSA can provide significant tax benefits to eligible individuals. Not only can HSAs provide tax benefits related to paying qualified medical expenses, they may also provide benefits similar to many tax-favored retirement plans.*

    Benefits Include:
  • No monthly maintenance fee
  • No minimum balance required
  • Unlimited check writing
  • Health Advantage Debit Card for your convenience wherever Visa® is accepted
  • Interest-bearing account
  • Monthly statements with check safe keeping
  • Manage your account online at no charge
  • 24-hour telephone access to account information
  • FDIC insured
  • Option to designate an Attorney-In-Fact who can perform transactions on your HSA **

* Please consult your tax advisor for tax benefits.
** Please click the links to download these useful forms.

HSA Attorney-In-Fact In​structions​

Agent as Attorney-In-Fact Form

Notary Form

Please note: Bankers Trust requires NEW customers to open their account in a branch location. Existing customers and employees of our corporate customers may use the Service Center to produce their account opening paperwork.

Stop in one of our many branches to open your Health Adavantage Checking account today. 

To find out how to become a customer at Bankers Trust​, please call us at
1-800- 362-1688 or e-mail us at

Additional disclosures regarding this account are found in the Consumer Products and Services Terms and Conditions brochure.

Important Notice: Health Savings Account (HSA) Distributions On September 3, 2010, the Internal Revenue Service (IRS) issued guidance regarding the use of tax-favored vehicles—such as HSAs—to pay for over-the-counter medicines and drugs. Beginning January 1, 2011, a distribution from an HSA for a medicine or drug is a tax-free qualified medical expense only if the medicine or drug: Requires a prescription; is an over-the-counter medicine or drug for which the individual has obtained a prescription; or is insulin.
If amounts are distributed from an HSA for any medicine or drug which does not satisfy one of these requirements, the amounts will be distributions for nonqualified medical expenses. Nonqualified medical expenses are includable in gross income and generally subject to a 20 percent additional tax. For a complete copy of the IRS guidance, please click here.

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